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Can someone say their debt pay off stories and tips from those that were never gifted money, received any settlements (or similar) and those that do not have the ability to work overtime?

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Can someone say their debt pay off stories and tips from those that were never gifted money, received any settlements (or similar) and those that do not have the ability to work overtime? We have zero options like that and we love to try to come up with a reasonable plan.  
Can someone say their debt pay off stories and tips from those that were never gifted money, receive

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Last year my husband and I paid off over $20K. Tracking my expenses and realizing where I could cut back helped tremendously. We created a budget and did our best to stick to it. The biggest thing for me was making “snowflake” payments whenever we had extra money. Whether it was $20 here or $50 there those additional payments add up.  
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